Privacy Policy

Introduction

APSA Boss Financial Technologies ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the application.

Information We Collect

1. Personal Data

We may collect personal identification information, including but not limited to:

• Full name
• Phone number
• Email address
• Date of birth
• Bank verification number (BVN)
• Government-issued ID
• Address information

2. Financial Data

To provide our services, we collect:

• Bank account details
• Transaction history
• Wallet balances
• Payment records
• Investment information

3. Technical Data

• Device information (model, OS, unique device identifiers)
• IP address
• App usage data
• Location information (with consent)
• Log data and crash reports

How We Use Your Information

• Service Delivery: To process transactions, manage your wallet, and provide investment services
• ABA AI Assistant: To provide personalized financial insights and recommendations
• Security: To detect and prevent fraud, verify your identity
• Compliance: To meet CBN and regulatory requirements
• Communication: To send transaction alerts, updates, and customer support
• Improvement: To enhance our services and user experience

APSA Boss AI (ABA) & Data Processing

Our AI assistant, ABA, processes your financial data to provide intelligent insights. This includes:

• Analyzing spending patterns
• Providing savings recommendations
• Detecting unusual transactions
• Offering personalized financial advice

ABA is designed with privacy-first principles. Your data is encrypted and used solely to improve your financial experience. You can disable AI features at any time.

Data Sharing and Disclosure

We do not sell your personal information. We may share data with:

• Service Providers: Payment processors, SMS providers, cloud services
• Regulatory Bodies: CBN and other authorities as required by law
• Financial Institutions: Partner banks for transaction processing
• With Your Consent: Other third parties when you explicitly authorize

Data Security

We implement industry-standard security measures:

• 256-bit encryption for all financial data
• Secure authentication (biometric, 2FA)
• Regular security audits
• PCI DSS compliance
• Real-time fraud monitoring

Your Rights

Under Nigeria's data protection regulations, you have the right to:

• Access your personal data
• Correct inaccurate data
• Request data deletion
• Withdraw consent
• Data portability
• Lodge complaints with NITDA

Data Retention

We retain your data for as long as your account is active or as needed to provide services. We may retain certain data as required by CBN regulations (typically 5-7 years for financial records).

Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect data from minors.

International Data Transfers

Your data may be processed outside Nigeria. We ensure adequate protection through standard contractual clauses and compliance with international regulations.

Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes through the app or via email.

Contact Us

If you have questions about this Privacy Policy, please contact us:

• privacy@apsaboss.com
• +234 (0) 123 456 789
• 123 Financial District, Lagos, Nigeria